Home Mortgage Loan Ratesin Georgia

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Georgia and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 04/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.708% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.750 Points$2,400 Points Fee
$2,899 Total Fees$499 Lender Fees
 30 Years Fixed
5.839% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.804 Points$2,573 Points Fee
$7,640 Total Fees$5,067 Lender Fees
 30 Years Fixed
5.865% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.636 Points$2,035 Points Fee
$4,030 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.894% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$5,193 Total Fees$2,793 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.994% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.732 Points$2,342 Points Fee
$8,542 Total Fees$6,200 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.864 Points$2,765 Points Fee
$4,160 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.459% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.882 Points$2,822 Points Fee
$2,822 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
America's #1 Retail Lender (Scottsman Guide)
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
5.960% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.917 Points$2,934 Points Fee
$2,934 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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Georgia homebuyers and homeowners looking to refinance have access to a variety of mortgage lenders offering competitive home loan rates. Whether you're a first-time homebuyer, looking to upgrade, or seeking to refinance your existing mortgage, you can find a range of loan options to suit your needs and financial situation. When comparing home mortgage loan rates in Georgia, it's essential to consider factors such as loan type (fixed-rate or adjustable-rate), loan term, down payment, and credit score, as these can all impact the interest rates and terms you qualify for. Shopping around and comparing offers from multiple lenders, including local banks, credit unions, and online lenders, can help you find the most competitive mortgage rates in Georgia. Working with experienced mortgage professionals and carefully evaluating your options can help ensure that you secure the best home loan rates available, making your homeownership dreams a reality in Georgia.